Has a debt collector ever contacted you about a debt that you weren’t sure was yours? You have the right to ask them to send proof of that debt. The Fair Debt Collection Practices Act, a federal law regulating debt collectors, allows you to request the debt collector to send proof of the debt through a process called debt validation. Debt collectors have been known to send bills or make calls for bogus debts, so don't assume that a bill from a debt collector automatically means you owe. The letter may look legitimate, but in this information age, it's easy to gather enough information about a person and their financial dealings to create a fake debt collection notice.